Search found 696 matches

by Colorado13
Sun Feb 04, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Is LinkedIn premium worth it?
Replies: 18
Views: 1808

Re: Is LinkedIn premium worth it?

Thanks for the feedback so far. I'm going to postpone activating LinkedIn premium for now and continue my job search for other avenues.
by Colorado13
Sat Feb 03, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Is LinkedIn premium worth it?
Replies: 18
Views: 1808

Is LinkedIn premium worth it?

I have a LinkedIn profile and occasionally (but not frequently) receive solicitations from head hunters. I'm seeking a new job and wondering if Bogleheads recommend LinkedIn premium for job leads? Is it worth the cost? Does it *really* provide value to job seekers beyond the non-premium version?
by Colorado13
Thu Jan 11, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 426
Views: 33471

Re: What frugal thing did you do today?

I used a 30% off coupon at Kohls and bought slippers for $3.08. Then I came home, put the slippers on, and turned the thermostat down.
by Colorado13
Tue Jan 02, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1106

Re: PenFed messed up my mortgage payment - again

Thank you for all of your feedback. I put more than 20% down and called PenFed today and they said they would adjust the escrow in March (sigh.) At that time, I will switch to self pay rather than having taxes as part of my mortgage payment.
by Colorado13
Mon Jan 01, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1106

PenFed messed up my mortgage payment - again

So, I paid two years of property tax to Penfed this year: one year was withdrawn via escrow as part of my monthly payment and one year was paid in December to the county. I provided Penfed with proof of the December payment in mid-December and was assured they would honor my request to adjust my pay...
by Colorado13
Mon Jan 01, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7184

Re: So, how was the year ? Gains made and Lessons learnt ?

Here's an analysis of spending for 2017. The table below shows the proportion of total spending that each category represents. Income taxes, medicare taxes, etc. and investments are excluded from this. My logic is that income taxes and investing are non-negotiable expenses while employed. Below are ...
by Colorado13
Sat Dec 30, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm - Letter Received today
Replies: 15
Views: 3390

Re: State Farm - Letter Received today

I received one of these letters a couple of weeks ago. My new policy arrived and the biggest change that I noticed is that the deductible has increased from $1,000 to $1,187. FYI, I live in/near areas that have been devastated by hail in recent years.
by Colorado13
Fri Dec 29, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 3388

Re: Hyundai quality and reliability

I drive a 2005 Santa Fe GLS AWD and my father owns a 2014 Santa Fe. I would recommend either vehicle without hesitation. Mine does not have a zippy engine, otherwise I have no complaints. I've test driven newer (2016 and 2017) models such as CX-5, Rav4, Crosstrek, Tucson, and Rogue and haven't purch...
by Colorado13
Sat Dec 16, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 9359

Re: How much do you spend on food per month, per person?

I bought groceries today and spent $52, with savings of $24 by purchasing sale items and using coupons. It averages to ~$150 per month. I spend more in the summer (due to supporting the farmer's market) and spend less in winter (due to having more time to cook and less focus on purchasing convenienc...
by Colorado13
Sat Dec 16, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are you prepaying real-estate taxes this year?
Replies: 16
Views: 2274

Re: Are you prepaying real-estate taxes this year?

Yes. Every other year I bundle my real estate tax payments because I no longer have enough deductions to itemize every year.
by Colorado13
Sun Dec 03, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Target Gift Cards are 10% Off Today (Sunday 12/3/17)
Replies: 17
Views: 2067

Target Gift Cards are 10% Off Today (Sunday 12/3/17)

I have not seen this posted yet.... Today is the day: Target gift cards are 10% off today.
by Colorado13
Mon Nov 20, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6526

Re: Drive it till it dies. It died.

soupcxan wrote:
Mon Nov 20, 2017 11:51 am
Why on earth would you buy another Murano given this lack of reliability?
That's exactly my reaction too!
by Colorado13
Sun Nov 19, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2843

Re: Are expensive tires worth it?

I have been called frugal many times, and cheap a few. But I would never ever skimp on tires. It doesn't matter how great of a car you have, how much power, what brand, what the handling performance or stopping distance are, etc. -- if the tires are crap, they are the only thing actually touching t...
by Colorado13
Fri Oct 27, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5660

Re: What is going on with the home insurance rates?

Think about the recent weather: hurricanes, floods, fires, hail, etc. Insurance companies have to price for these events, which are becoming more frequent and more severe. Many (maybe all?) of us will bear the cost of these events by paying higher premiums. In Colorado, the answer is simple: 1. Lot...
by Colorado13
Wed Oct 25, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5660

Re: What is going on with the home insurance rates?

Think about the recent weather: hurricanes, floods, fires, hail, etc. Insurance companies have to price for these events, which are becoming more frequent and more severe. Many (maybe all?) of us will bear the cost of these events by paying higher premiums. In Colorado, the answer is simple: 1. Lots...
by Colorado13
Fri Oct 20, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 6342

Re: Wife New Car Recommendations - SUV

Another vote for the cx 5. Had it a month and she loves it. Zoom zoom! Very quiet unless under hard acceleration. How interesting... During one of my test drives of the CX-5, the salesperson said he had received a few complaints that it was loud. I thought it was very quiet (so I'm happy to read th...
by Colorado13
Fri Oct 20, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 6342

Re: Wife New Car Recommendations - SUV

My wife loves her Nissan Rogue. Take one for a test drive. I test drove the Rogue and was very underwhelmed by it, so crossed it off my list of contenders. Maybe I should have driven a different trim level though. The CX-5 was a lot more fun to drive and is much more stylish, but that's just my two...
by Colorado13
Thu Oct 19, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 6342

Re: Wife New Car Recommendations - SUV

I test drove the CX-5 and the Tuscon, but won't even consider the Jeep because Consumer Reports gives the Jeep very low ratings. I agree with other posters that you won't get any of these vehicles new for $20K. The handling and look of the CX-5 are very appealing to me, but the seats are firmer than...
by Colorado13
Sun Jul 30, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 2268

Re: Colorado Vehicle Registration fees

Welcome to CO! Yes, car registration is expensive (relatively.) Car insurance is also pricey because we've had annual hail storms in the Denver metro area for the past few years. I paid $25 for my vehicle emissions test last week, which is required every 2-3 years (I don't recall exactly, but it's n...
by Colorado13
Fri Jul 28, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6771

Re: TSA Pre-check for free

I've flown three times since May and have had it for free on one of the three trips.
by Colorado13
Wed Jun 28, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: American Family Insurance
Replies: 3
Views: 539

Re: American Family Insurance

AmFam is very customer oriented. Their service is rated highly, although they do not always offer the cheapest rates. In a recent CO hail storm they brought in teams of people from out of state to help settle claims very quickly. They opened drive up locations for clients with auto claims; these wer...
by Colorado13
Sat Jun 24, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 8935

Re: Bogleheads: Please help me pick a new car

I have no car advice, but loved your OP and the references to Wilma, Dinoburgers, dinosaurs, etc. I'm easily entertained - thank you!
by Colorado13
Tue May 16, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3243

Re: Help convince me it's okay (or not): new vehicle

The OP didn't say he doesn't like the ride and handling of his current SUV/crossover/raised station wagon; he said it is under-powered. Not sure how much more HP a new version has compared to his current one, but most vehicles get more HP every year. "2. The ride is not great compared to newer vehi...
by Colorado13
Tue May 16, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3243

Re: Help convince me it's okay (or not): new vehicle

OP If you are still on the fence, I just dropped 37k yesterday on a new Honda Pilot, to replace a 9 year old Honda Pilot that needed a new engine top end. So now you can buy your car and gloat that you spent a lot less than that other idiot (me) on Bogleheads :sharebeer Well, I appreciate you tryin...
by Colorado13
Sun May 14, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3243

Re: Help convince me it's okay (or not): new vehicle

I appreciate everyone's advice. I still have not decided what to do. IMO hit the nail on the head: the car could last for several years or I could have major repairs in 3 months...that's my dilemma.
by Colorado13
Sun May 14, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3243

Re: Help convince me it's okay (or not): new vehicle

jharkin wrote:Folks on this board obsess way to much over easy decisions.
Thanks for the feedback. I do tend to obsess, which is why these forums are so helpful. :-)
by Colorado13
Sat May 13, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3243

Re: Help convince me it's okay (or not): new vehicle

Why will Insurance and registration increase that much? Maybe it's where you live??? Hi Mortfree. Good questions. I currently do not have full insurance coverage on my car and would need to add the extra insurance coverage to a new vehicle. Registration is expensive for new cars in CO, based on the...
by Colorado13
Sat May 13, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3243

Help convince me it's okay (or not): new vehicle

I need encouragement to buy or postpone the purchase of a replacement vehicle, as I'm having some trouble getting my head around spending what (to me) is a large chunk of $$. Pros to new vehicle: 1. Current vehicle is 12-year old Hyundai Santa Fe, 133,000 miles. The only minor problem is that the su...
by Colorado13
Tue May 02, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 32248

Re: Where to Live on $60K or Less a Year?

If you're searching in CO, Fort Collins, and Colorado Springs will be difficult, but not impossible, with a $300K housing budget. Denver's median home price is well above $300K. Grand Junction and Durango would fit your budget. I was in SLC for work a month ago. It reminded me a bit of Denver, with ...
by Colorado13
Tue Apr 18, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Droopy sun-visor on honda civic
Replies: 9
Views: 1998

Re: Droopy sun-visor on honda civic

Thank you Bogleheads! I have the same problem (different car) and am going to try the Youtube video suggestions! My velcro solution only works in warm weather but doesn't stick well in the cold weather.

Thanks OP for posting this question.
by Colorado13
Sat Mar 04, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 9009

Re: Climate and happiness revisited

I have lived in ND/MN and moving to CO has increased my happiness in ways I can't quantify. So, I moved to combat the winter weather to a four season climate: I'll repeat part of another post I made regarding Denver "We get four seasons of weather - sometimes in a single day. It's currently 66 degre...
by Colorado13
Sat Mar 04, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 6998

Re: Advice on relocation or staying put

Denver OK. Why Denver? Why not? :-) We get four seasons of weather - sometimes in a single day. It's currently 66 degrees, and we will have high temps ranging from 42 to 75 next week, depending on the day of the week. We have access to flights to both coasts, a booming tech industry, and good/great...
by Colorado13
Thu Jan 26, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 13012

Re: Best Places to Live in US?

This thread just highlights what a great country this is! So many awesome choices, just one life to live. My personal list of awesome places to consider: Portland OR Austin TX Boulder CO Seattle WA Bend OR Santa Cruz CA FYI, the average house price in Boulder is ~$800,000, seemingly out of OP's pri...
by Colorado13
Wed Jan 04, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 3042

Re: How to dress for winter vacation in Alberta

I can't emphasize enough other people's advice to not wear jeans. Just don't do it. I just finished reading Bill Bryson's "A Walk in the Woods" and he writes about people freezing to death in 30 degree temps, due to inadequate clothing. He also writes about walking around in damp jeans - it's very u...
by Colorado13
Tue Jan 03, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 4062

Re: Large purchase anxiety!

I have vehicle purchase anxiety. I'm saving cash for my next purchase and I'm not having a hard time saving the $ for the car. I am having trouble wrapping my head around spending more than $20K for a vehicle, even though I plan to keep it for 10 years (current vehicle is 11 years old.) I would have...
by Colorado13
Wed Dec 21, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Garage door gets stuck when opening/closing
Replies: 34
Views: 3925

Re: Garage door gets stuck when opening/closing

When my garage door kept getting stuck I increased the motor power with a twist of a knob on the back of the unit. This worked for me but I have no idea if it was the right thing to do! I did try greasing the track and springs first. I figure I'm do for some maintenance eventually. Well, it's worth...
by Colorado13
Tue Dec 20, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Garage door gets stuck when opening/closing
Replies: 34
Views: 3925

Re: Garage door gets stuck when opening/closing

This garage door has to be fixed by now. So what was the actual problem? :) Thanks to all the great advice I received, it seems to be working. I sprayed the garage door lubricant on the moving parts, tightened the bolts, ensured the sensors were not blocked, and requested/received some warmer weath...
by Colorado13
Tue Dec 20, 2016 7:29 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 84
Views: 12940

Re: Water Heater Install $1,800!

I didn't get quotes, just went with a positively reviewed 50-gallon tank model from Home Depot. The cost was $500, installation was $300, and the inspection fee was $200 (paid to HD, but passed along to the county, which does the inspection.) They installed it a few hours after I made the appointmen...
by Colorado13
Sun Dec 18, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Garage door gets stuck when opening/closing
Replies: 34
Views: 3925

Re: Garage door gets stuck when opening/closing

Thanks for the great advice! It doesn't appear that the spring is broke (yet.) The door is ~4 years old, the opener may be ~20 years old (I'm not the original owner of the house.) I'll give your recommendations a try.
by Colorado13
Sun Dec 18, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Garage door gets stuck when opening/closing
Replies: 34
Views: 3925

Garage door gets stuck when opening/closing

My google search was of limited use, so I'm asking the experts... My garage door opens about a foot off the ground, then stops. After pressing the button on the remote a few times, it eventually opens, but obviously this is a sign that some maintenance is needed. Before calling the service company, ...
by Colorado13
Sun Dec 04, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 3565

Re: Anyone have experience with Kaiser in Colorado

I'm on the side of not liking Kaiser because I had frustrating experiences with some of the providers. My primary care doctor was not good (impatient, not thorough, not personable) and my eye doctor was not good (not thorough, would not spend time to resolve my problem). My physical therapist was go...
by Colorado13
Sun Oct 30, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: Grocery Stores Employing Customers
Replies: 59
Views: 5805

Re: Grocery Stores Employing Customers

I prefer to bag my own groceries at the grocery store, because if someone else does it, he/she typically will load my re-usable bags so heavy that I think the bags will break. Where did they learn to overload the bags with heavy items all in one bag, for example? So, I've started asking them to use ...
by Colorado13
Sat Oct 29, 2016 6:41 am
Forum: Personal Consumer Issues
Topic: wanting an mp3 player
Replies: 12
Views: 1504

Re: wanting an mp3 player

I also recommend the Sansa Clip. It will meet your criteria perfectly.
by Colorado13
Thu Oct 27, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 8004

Re: Declining Service Expectations. Are there any excellent companies still out there?

I returned a mail-ordered item to Dillards this evening. I was very impressed with the ease of the return. With so many retail establishments cutting back on staff (and deferring most customers to self checkout lanes, which I despise), I was thankful to have such a pleasant experience.
by Colorado13
Mon Oct 24, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Over-contribute to 401k to get match: tax implications
Replies: 15
Views: 2609

Re: Over-contribute to 401k to get match: tax implications

Thank you all! Your responses are very helpful. I am thankful for the expertise of my fellow Bogleheads and now have a plan for my November-December contributions.
by Colorado13
Mon Oct 24, 2016 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Over-contribute to 401k to get match: tax implications
Replies: 15
Views: 2609

Re: Over-contribute to 401k to get match: tax implications

Thanks for the additional information. I'll review the supplied links and will request my new plan's documents so that I can get a handle on next steps. I have not yet contributed the 53k limit, so need to explore that option.
by Colorado13
Sat Oct 22, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Over-contribute to 401k to get match: tax implications
Replies: 15
Views: 2609

Re: Over-contribute to 401k to get match: tax implications

Thanks for the replies. I have not yet received the plan documents, so probably should request those asap. Otherwise, I get the sense that beginning my contributions in January of 2017 (which was my initial plan) is probably the best option.
by Colorado13
Sat Oct 22, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Over-contribute to 401k to get match: tax implications
Replies: 15
Views: 2609

Over-contribute to 401k to get match: tax implications

I've maxed out my 401(k) for 2016 and am switching employers. If I don't contribute to the new employer's 401(k), I will lose the match for Oct-Dec. So, I'm wondering if it is worthwhile to participate in the new employer's plan to get the match and then do this: "Excess withdrawn by April 15. If th...
by Colorado13
Sat Oct 08, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1732

Re: Looking for good mountain scenery near Denver

As others have indicated, you will be arriving too early to ski and much too late to drive the Mt. Evans road and Trail Ridge Road. Here's a list of some free things to do in Denver: http://www.denver.org/travel-trade/itineraries/themed-itineraries/-free-activities/ and http://www.denver.org/events/...
by Colorado13
Fri Sep 30, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 20297

Re: Net Worth Milestone Today - $1.5M

I'm TRULY not trying to take away from Meg's or anyone else's accomplishments, but want to add a difference perspective to this discussion. I think that some of these types of posts have the potential to seem elitist, particularly to new members. There have been many posts from forumites who comment...